It may seem counterintuitive, but if you’re healthy and enjoy a nice, long life in retirement, you’ll pay more in health care costs than your less-healthy compatriots. 

At least that’s the upshot of a new report from the Insured Retirement Institute, which analyzed data from HealthView Services and found that a 65-year-old male in excellent health will face health care expenses, including premiums, that will add up to $345,000. His less-healthy buddy, meanwhile, will only have paid around $246,000 altogether. 

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